Transferring – assistance with moving from a bed to a chair or moving from a wheelchair to a commode

Personal Hygiene

Bathing – verbal reminders to take a bath, preparation of the bath, assistance in and out of the bath/shower, and or physical assistance with bathing and/or drying offGrooming – verbal reminder to do the task, assistance with shaving, application of make-up and/or body lotion or cream, brushing or combing hair, brushing teeth and/or other grooming activities

Dressing – verbal reminder to do the task, and/or physical assistance with putting on clothing

Laundry – separating,washing, drying, folding and storingLight Housekeeping – vacuuming, mopping floors, cleaning bathroom and kitchen, making the bed.These tasks should only be performed in the area of the home used exclusively by the recipient.

Some policies offer more coverage than other polices. Read the policy carefully to see what is and what isn't covered.

Care Level

Supervision - Maximum Assistance

Population

Some people might not be able to get a long-term care insurance policy because they have a pre-existing condition. A pre-existing condition is a health problem you have before getting a new insurance policy.

Financial

It is better to buy a long-term care insurance policy at a younger age when premiums are lower. If this is done, a periodic review is advised to make sure your policy covers your current and future long-term care needs.